Energy Efficiency Loans
Smart-E Loan Program
Save Energy and Money by Improving Your Home's Energy Efficiency - Financing from 4.49% - 6.99%
Loans may be for $500 to $40,000 and funding will be used for conducting qualified improvements/equipment replacements. Non-listed work directly related and necesary to the installation of the listed qualifying measures may be financed along with the qualifying measure at the applicable interest rate - (capped at 25% of the total loan amount).
- Applicants must own and occupy* a single or 2-4 family home (includes condos, mobile homes, and vacation homes) in the State of Connecticut
- Minimum 580 credit score (Minimum 640 credit score for loan amounts > $25,000)
- Participation in the Home Energy Solutions ℠ Program is strongly recommended. You can register online or call 877-WISE-USE (877-947-3873) to arrange a HES assessment for your home.
- Projects that are underway or completed will not qualify for financing. Please do not schedule your project until after you have received your loan documents from C4C
*If you do not occupy the property, please contact C4C regarding our alternate loan option
Loan Terms:
- Eversource electric customers may elect to have loan payments added to their monthly electric bill
- $500 to $40,000 loan amount
- Rate/Term options:
- 4.49% for 5 years
- 4.99% for 7 years
- 5.99% for 10 years (Minimum loan size $5,000)
- 6.99% for 12 years (Minimum loan size $5,000)
Participating Contractors:
How to Apply:
Eligible Improvements (minimum efficiency standards must be met):
High Efficiency Insulation
Duct Sealing
Air Sealing
Gas Conversion
High Efficiency Boiler/Furnace
Central Air Conditioning
Ductless Mini-Split Heat Pump
Air Source/Ground Source Heat Pump
Heat Pump Water Heater
Indirect Water Heater (Natural Gas only)
On-Demand Tankless Water Heater (Natural Gas/Propane only)
Window Replacement
Solar PV System
Solar Hot Water System
Electric Vehicle Recharging Station
Natural Gas Vehicle Refueling Station
ENERGY STAR® appliances
Asbestos Remediation
Mold Remediation
Roof Repair/Replacement
Tree Removal for Solar Installation
* For more information on ENERGY STAR® please go to www.energystar.gov.